Holding Bitcoin is about playing the long game, but that does not mean your wealth should sit on the sidelines.
Need cash for a major purchase? Thinking about a dream home, an investment opportunity, or funding your child’s education? You should not have to sell your Bitcoin, lose your position, and then try to buy back in at a higher price. With a Bitcoin-backed loan*, you get liquidity without letting go of your BTC.
Borrow with your Bitcoin without losing its upside
Selling Bitcoin might feel like the only option when you need cash, but it does not have to be. Instead of cashing out and running the risk of watching Bitcoin climb after you sell, Xapo Bank lets you borrow against your holdings while keeping your BTC safe and working for you.
With a Bitcoin-backed loan, you get instant liquidity with low interest rates and zero fees. Your Bitcoin remains intact, meaning you continue to benefit if the price rises. Avoid stress about market timing and regrets about missing future gains.
Repay on your terms with full flexibility. There are no minimum repayments and no penalties for early settlement, and you can choose to repay in USD or Bitcoin. Your BTC stays securely held in BTC Vault with cutting-edge MPC custody, ensuring that your assets remain protected.
Use your funds the way you want
A Bitcoin-backed loan is a financial tool at your fingertips. How you use it is entirely up to you.
Some members use their loans to make big moves like purchasing property or expanding their investment portfolios. Others use it to fund once-in-a-lifetime experiences, whether it is traveling the world or launching a personal project.
With zero hidden fees, no arrangement or closure charges, and no penalties for liquidation, you are in control from start to finish. Your Bitcoin remains securely held, while you get the freedom to put your cash to work however you choose.
Stay ahead with real-time tracking and smart borrowing
With real-time tracking of your Loan-to-Value (LTV) ratio, you always know where you stand. If your LTV reaches 65%, you will receive a margin call. At that point, you can choose to repay or add more BTC to adjust your ratio, keeping your loan in a safe range.
Borrowing against your Bitcoin instead of selling can also offer tax advantages. By keeping your BTC while accessing cash, you may be able to avoid taxable events. Always consult a tax professional to understand what applies to your situation.
How to get started
Taking out a Bitcoin-backed loan is simple.
Open the latest version of the Xapo Bank app and scroll down to the ‘Loan’ section. Enter the amount you want to borrow, select your preferred duration, and confirm. The funds will instantly appear in your USD account, while your Bitcoin remains securely held as collateral in your BTC Vault.
Your Bitcoin has brought you this far. Now, let it take you even further.
Not a member yet? Apply to become one today.
*Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
